First Time Homebuyer- Down Payment Program

Share

Special Guests

                       Lindsay Hall    and   Rhonda Ronnow

of THDA joins The Housing Hour this week to explain one of the hottest First Time Homebuyer programs in Tennessee.    Lindsay Hall is Chief Administrative Officer of Single Family Programs and Rhonda Ronnow is Director of Single Family Loan Operations. Lindsay and Rhonda explain the new $15,000 Downpayment program for selected zip codes areas in Tennessee and how you may be able to apply!

THDA Announces $15,000 Incentive to Homebuyers in Targeted Neighborhoods

Contact a Loan Officer at MIG to find out details!

HHF-DPA

If you’re purchasing a home with a Great Choice Home Loan in one of the participating ZIP Codes, you can apply for our HHF-DPA program, which offers $15,000 in assistance regardless of the home’s purchase price.

Participating ZIP Codes:

37037 37040 37042 37073 37086 37110 37115 37148 37172 37186
37207 37208 37217 37218 37303 37311 37321 37323 37404 37406
37411 37412 37416 37660 37716 37721 37813 37821 37871 37912
37914 37917 37921 37924 38012 38016 38018 38053 38063 38105
38107 38109 38111 38115 38116 38122 38125 38127 38128 38133
38134 38135 38141 38301 38305

How It Works

If you’re approved, your financial assistance comes in the form of a forgivable $15,000 second mortgage loan on your home.

The second mortgage has a 0% interest rate and no monthly payments for the 10 year term. The loan is forgiven at 20% per year in years 6 through 10.See forgiveness schedule below.

After Year What you owe if you sell, refinance, or move out
0 – 5 $15,000
6 $12,000
7 $9,000
8 $6,000
9 $3,000
10 $0

To be eligible, you must purchase an existing home (new construction is not allowed) using a Great Choice first mortgage loan in an eligible ZIP Code, and you must complete a THDA-certified Homebuyer Education class with an agency approved to work with HHF-DPA homebuyers. Find an approved HHF-DPA class provider in your area.

If that sounds like a great choice to you, here’s how to find out if you qualify for a Great Choice Home Loan:

Additional terms and conditions apply. Talk to an approved lender to help determine if you qualify and if this program may be right for you. You must comply with the terms and conditions of the Great Choice Home Loan Program and HHF-DPA second mortgage loan or penalties may apply, including immediate repayment.

You must meet THDA homebuyer education requirements, which consists of pre-purchase and post purchase education (typically combined into one “combo” class), prior to closing your loan. You can meet this requirement by completing the class online or by attending an in-person class through an approved HHF-DPA counseling agency.

It is best to sign up for the class as early in the homebuying process as possible, and we strongly encourage you to complete the class at least four weeks before your closing date.

Find the approved HHF-DPA counseling agency closest to you:

In-Person Classes

If you prefer to take an in-person class, please identify the provider closest to you that offers in-person Pre-Purchase & Post-Purchase Combo classes. Please note that some providers on the calendar are not approved for HHF-DPA classes.

Click here to find an in-person Pre-Purchase & Post-Purchase Combo class near you.

Online Classes

Be sure to identify the provider closest to you that provides online classes. Please note that some providers on eHome America are not approved for HHF-DPA.

Click here to find a participating online provider, who offers Pre-Purchase and Post-Purchase courses.

Upon completion of both courses, a counselor will contact you within 2 business days to complete a one hour follow up session. You may contact the participating agency directly for additional assistance.

 

 

Wildlife Solutions – Michael Harris

Share

Special Guest

Michael Harris,

Wildlife Solutions,

joins The Housing Hour this week to discuss the latest threats to the East Tennessee area.   Two new animals have been sighted in the Knoxville and surrounding areas that pose a potential threat. Michael describes the animals and what you should do to protect your family.

The topic for this week’s show:

  • Ground Hogs
  • Skunks
  • Armadillos
  • Cougars-big cats*

Wildlife Solutions LLC. specializes in keeping your home, yard, or property free of outside wildlife. Located in Knoxville, TN we provide all of Knox County and surrounding areas with friendly, professional and humane wildlife removal services.  Their licensed and experienced professionals are available, at your convenience, to evaluate and take care of any problem that you have whether it is bats or squirrels in your attic, raccoons getting into your garbage, or mice getting into your living area.

Their primary goal is not only to remove the animals currently causing your problem but to keep more from returning.  They ensure that they can locate and capture these intruders in a timely and efficient manner with little to no damage to your home and property.  Their service is quick, reliable and most calls can be treated with a same-day or next-day appointment because we know the longer these nuisances stay, the more potential damage they can do. In most cases, the pest problem has existed for a long time prior to the discovery.

Wildlife Solutions offers preventative evaluations to your home that will detect animal entry points, potential problem areas, and existing issues. If a problem is discovered, we give you a step-by-step summary of the process needed to solve your animal invasion before we get started. Once our plan is executed, we ensure that you will be satisfied with the results. Avoid using DIY techniques that lead to messy cleanups, inconsistent results, and long execution times. Go ahead and call our experienced staff at Wildlife Solutions to help with your animal control problem.

Call One of  their Animal Removal Experts

865-322-9690

East Tn sighting

http://www.local8now.com/content/news/Possible-mountain-lion-sighting-in-east-Tennessee–395919281.html

http://www.local8now.com/home/headlines/Possible-cougar-sightings-in-East-Tennessee-364568511.html

*Cougars are shy, nocturnal, solitary, secretive animals, with large home ranges. Because of their behavioral patterns, the likelihood of encountering a cougar is extremely slim, even in areas with established populations. To show how rare a cougar attack is, compare the number of human fatalities resulting from cougar attacks to those resulting from other hazards from animals or nature. In the 100 years between 1890 to 1990, in the U.S. and Canada, only 10 humans died due to cougar attacks.1 Every year in the U.S. an average of 26 human deaths are the result of dog attacks, 3 deaths from bear attacks, 12 deaths from rattlesnake bites, 40 deaths from bee stings, and 90 deaths from lightning strikes. Also considering there have been no confirmed sightings of a cougar between the years 1900 and 2015 in Tennessee, the chances of a cougar encounter are even smaller.

Even if the chances of encountering a cougar are minuscule, it doesn’t hurt to know what to do! Cougars are large predatory carnivores and if you see one, it might be deciding whether or not you’d be an easy meal. Never run, but instead make yourself threatening by standing tall, waving your arms, throwing objects, and yelling. Don’t turn away, but back away slowly, and towards shelter like a car or house if possible. Pepper spray may also be effective. If you’re with a group of people, gather together. Dogs and children have a tendency to run and they are more vulnerable than you, so pick them up so they don’t become a target. If the animal attacks, fight back! Do not play dead. Report the encounter to local authorities and TWRA as soon as possible.- See more at: https://www.tn.gov/twra/article/cougars-in-tennessee#sthash.49sg03hi.dpuf

Leave It To Kleber: Steve Kleber

Share

Special Guest

Steve Kleber

of Kleber and Associates joins The Housing Hour this week to give us an update from the NAHB 2017 International Builders’ Show. During the three-day event, manufacturers debuted their most innovative products to audiences from around the globe.  The K&A team hunted down the most important channel opportunities at Design & Construction Week and observed the emergence  of three major industry trends:

  • Freestanding Kitchen Furniture
  • Homes of the Future
  • Skilled Labor Shortage

Plus innovative products discussed:

 

SharkBite is a provider of plumbing and water control systems for domestic, commercial and industrial applications.



 

Tune in this week and Leave It To Kleber to tells us everything that’s going on!

Leave It To Kleber: Steve Kleber


 

Message from Steve:

We specialize in building products sales and marketing

At Kleber & Associates, we don’t try to be experts in every product category. We don’t work on running shoes one minute and disposable diapers the next. Instead, we focus exclusively on just one type of account—building products.

For nearly three decades, we’ve lived and breathed commercial and residential building products. We’ve come to know the architects, the builders, and the contractors. We’ve talked endlessly with facilities managers, dealers, and distributors. We’ve learned how to reach them and persuade them. And because we focus on just one industry, we know that industry’s gatekeepers and influencers. Its outlets and buyers.

We know how to generate demand and drive distribution. And perhaps most importantly, in residential, we understand what homeowners and homebuyers think, what they want to buy, and what they’ll be buying next. In commercial, we understand the needs of the architect, contractor, facilities manager, owner, and tenant.

In other words, when it comes to building materials and building products, we don’t consider ourselves to be general practitioners of marketing and advertising. We’re specialists, pure and simple. That’s why we’re the best at what we do.”

 

 

 

 

Adams Law: Terry Adams

Share

Special Guest

 

Terry Adams, Esq

joins The Housing Hour this week to discuss his companies, The Adams Law Firm and Admiral Title.  Terry has been a long  time sponsor of The Housing Hour and has appeared several times on our show. His depth of knowledge and experience is always welcome as we try to unwrap the complexities of the Real Estate Market and the laws that govern it.

The Adams Law Firm
8517 Kingston Pike
Knoxville, TN 37919
Phone: (865) 531-6440
Fax: (865) 381-1394
E-mail: tadams@terryadamslaw.com

Terry Adams is a Navy veteran, entrepreneur and attorney. Adams is the founder and managing attorney of the Adams Law Firm and Admiral Title, Inc. Currently he sits on the Tennessee Bar Association’s Executive Committee for Sports & Entertainment. Terry Adams focuses his practice on negotiations, contracts and business litigation. Terry has been peer reviewed as a “Top Attorney” in several categories as published in Knoxville Cityview Magazine, including in 2013 in the categories of Real Estate Development & Financing Law, Business/ Commercial Law, and Sports & Entertainment Law.

Terry grew up in Nashville and is a graduate of the University of Memphis Law School and the University of Tennessee, Knoxville. Adams’ roots and experiences span the state of Tennessee. Now, he and his wife, Phillis, live in Knoxville. Terry is a former Certified National Football League Players Association Contract Advisor, a member of the American Bar Association, Tennessee Bar Association, and the Knoxville Bar Association. He served in the United States Navy Reserves for 8 years. Adams enlisted in the Navy during high school and went to UT on the Montgomery GI Bill.

Actively involved in the Knoxville community, Terry has volunteered countless hours to local budding entrepreneurs through his small business initiative. He also volunteers many hours of pro-bono legal services to those in need in the Knoxville area. In addition, Terry has served on the board of non-profit organizations including currently serving on the community advisory board for the Junior League of Knoxville.

Terry is licensed to practice law by the Supreme Court of Tennessee, United States Tax Court, and United States District Court, Eastern District of Tennessee. Among his many published articles he is the author of The Art & Science of Negotiation; Business Law: Representing the Whole Client; and Getting it Right When it Counts – Crisis Management and Critical Decision Making.

The Adams Law Firm, Inc.
*Founder of the Adams Law Firm, a full service business, transactions and litigation law practice.

Tennessee Bar Association
*Executive Counsel of the Sports and Entertainment Law Section
*Legal Clinic and Legislative Committees

Admiral Title, Inc.
*Founder and President of Admiral Title, Inc.

Political Experience
*Helped candidates for the United States Senate and United States House of Representatives on issues regarding fundraising, campaign management, and substantive policy positions

United States Navy
*Served and a NCO in the United States Navy Reserve. Service from 1989-1997.

University of Memphis School of Law, JD
*International Law Society, *Criminal Law Society, *Sports and Entertainment Law Society

University of Memphis Law School Legal Clinic
*Civil Litigation and Elder Law Clinics

University of Tennessee – BA, Political Science
*Study abroad in Budapest, Hungary & Madrid, Spain
*Executive Undergraduate Program

United States Army War College
*2008 attendee and new member of the National Security Seminar.

Harvard Law School
*Program on Negotiation (Program of Instruction for Lawyers)
*Certificates in Basic and Advanced Negotiation

NFL Players Association Contract Advisor
*2006 – Certified by the NFLPA as a Contract Advisor.

Better Business Bureau Arbitrator
*Certified Arbitrator for the BBB-Auto Line

Affiliations
*Sports Lawyers Association, American Bar Association, Tennessee Bar Association, Knoxville Bar Association, Tennessee Association for Justice, Community Advisory Board Member of the Knoxville Area Junior League

 

Vol For Life: Erik Ainge

Share

Special Guest

Erik Ainge

visits The Housing Hour  to help celebrate our return to NewsTalk 98.7 FM on Saturdays 3p to 4pm.

Join us as  we talk about our true passion and love-Tennessee Vols!

Plus an extra bonus: Host Kevin Rhea is thrilled to have his father-John Rhea- joins the discussion as a specially distinguished guest!

Erik has a new show on WNML – The Erik Ainge Show- heard weekdays from 9am to noon.   Ainge joins Sports Radio WNML to host The Erik Ainge Show with Brian Rice Monday – Friday from 9am to noon. Ainge, an Oregon native, played for the University of Tennessee from 2004 – 2007, during which time he racked up numerous awards and honors from the SEC and across college football. In the years since his professional football career, Erik established himself firmly in the Knoxville community and set roots that, along with his football connections, provide a listening experience that is exclusive and exciting for all college football fans.

Home Insurance: Mansour Hasan

Share

Special Guest

Mansour Hasan

State Farm® Insurance Agent

joins The Housing Hour this week to give our listeners sound homeowner insurance tips. Mansour’s mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. He serves the Knoxville and surrounding area with Home Insurance, Auto Insurance, Life Insurance, Health Insurance, and Business Insurance. Mansour  really models what it means to be a good neighbor in Tennessee, and provides the highest levels of customer service. He provides and serves you with Auto Insurance, Home Insurance, Health Insurance, and Life Insurance throughout Tennessee, including; Knoxville, Oak Ridge, Maryville, and Lenoir City.

Disclosures

Securities Supervisor address: 11350 Johns Creek Pkwy , Duluth, GA 30098-0001 Phone: 770-418-5033

State Farm Bank, F.S.B., Bloomington, Illinois (“Bank”), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit a written application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit of service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank Logo FDIC Member Logo Equal Housing Lender Logo

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus con-taining this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

 

Insurance Claim Disputes: Chip Merlin, Esq.

Share

chipbanner

Special Guest

chipmerlin

William F. “Chip” Merlin, Jr.

founder and president of Merlin Law Group joins The Housing Hour this week to discuss the Gatlinburg wildfires with tips on how to work with your Insurance company after a loss.

Topics this week:
  •  What are the first steps to do after suffering from a fire loss?
  • Does an owner have to rebuild back the way the structure was before the loss?
  •   If everything is gone, how do I go about making a list of what was burned?
  • What am I entitled to for a replacement cost insurance?
  •  Dealing with contractors—who should I hire?
  •   My property is old and they say I have to make repairs to fit the new building codes. Am I covered for these costs?

Plus so much more!

File a dispute about claim with State of Tennessee

Insurance Claim Disputes: Chip Merlin, Esq.

Since 1983, Chip Merlin has served as a plaintiff’s attorney with a focus on Commercial & Residential Property Insurance Claim Disputes and Bad Faith Insurance litigation. Chip is a noted national authority on Insurance Bad Faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine.

Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association.

Special thanks:

Franco Ripple | Vice President

CATECOMM | www.CateComm.com

Commercial Real Estate Update

Share

avison

Special Guest

cazanaJustin Cazana

Principal with Avison Young, responsible for Sales & Leasing, Tenant, and Landlord Representation joins The Housing Hour this week to give our listeners an update on the commercial real estate market in Knoxville and surrounding areas. The commercial real estate market is an important indicator of the financial health of an economy reflects the expansion of businesses in key areas. Justin discusses the business activities in from downtown Knoxville to the Pellissippi Corridor, Northshore area, Farragut and Oak Ridge.

Be sure to catch this important:

Commercial Real Estate Update

AY_CMYK_Tagline

cazana2

Justin Cazana is a Principal in the Avison Young Knoxville office, specializing in office and retail transactions with experience representing both landlords and tenants.  His current portfolio encompasses more than 1.1 million square feet of commercial space.

A Knoxville native, Justin began his career with Commercial & Investment Properties handling the leasing and marketing of the companies’ buildings.  This includes Knoxville landmarks such as Century Park at Pellissippi (an 80-acre office development), The Atrium, and Two Centre Square. A founding principal of Cushman & Wakefield | Cornerstone’s Knoxville office in 2011,  Justin worked with the firms other partners to develop the only full-service commercial real estate firm in the region.

Recent transaction highlights include the completion of a regional headquarters lease for Great West Casualty Company (25,000sft) at Century Park and the sale of Center Court at Lonas (40,000sft) to Pilot Travel Centers.

Justin has achieved both his CCIM and his SIOR designations and was selected as the Knoxville Business Journal / CCIM Broker of the Year in 2013.

Justin’s Credentials:

  • Licensed Real Estate Broker- Tennessee & Georgia
  • Society of Industrial and Office Realtors (SIOR)
  • Certified Commercial Investment Member (CCIM)
  • CCIM President – Knoxville Chapter 2010 & 2014
  • 2014 Leadership Knoxville
  • Knoxville Area Chamber Partnership- Board of Directors
  • Dogwood Arts Festival Board of Directors
  • 2010 Knoxville’s “40 Under 40”
  • University of Tennessee Chancellor’s Associates
  • Rocky Hill Elementary School Foundation – President 2013
  • Auburn University

 

Christmas Home Inspection Disasters

Share

christmasdisaster2

Special Guest

Jack Feldmann

with Clayton Home Inspections joins The Housing Hour this week to unwrap some common Christmas decoration mistakes that can be very dangerous for your family. Jack covers topic such as:

1.       Live tree close to heat source

2.       Exterior Lights passing UL test-

3.       Lead based decorations

4.       Stapling lights to fascia or on roof shingles

5.       Proper outlet-Ground Fault

6.       Plug-in strings of lights exceeding manufacturing recommendations

7.       Cracked sockets/frayed wires – old equipment

Christmas Home Inspection Disasters

So joins us and learn how you can make your  Christmas safe!


Jack is Experienced!

  • Business established in 1989. Knoxville home inspector since 1994.
  • Thousands of inspections completed. Typically, over 1,000,000 square feet per year. Will reach 10,000 inspections in 2015!!!!!
  • Continuing Education. The State of Tennessee requires home inspectors to have 16 hours per year CEU’s. ASHI requires 20 hours per year CEU’s. I typically take 20 – 30 hours per year.
  • Twelve years as Inspector/Construction Project Manager for Los Angeles County Office of Education.
  • Former licensed general building contractor in California. (License # B635092; license retired in 1994).
  • Over twenty years of construction experience.
  • Instructor at Trecs Real Estate School in Knoxville.
  • Instructor for University of TN Non Credit course on Home inspection.
  • Conducts workshops and training for real estate agents with regard to home inspection.
  • Newspaper column writer on home inspection.

Turner Concierge: Luke Lanzoni

Share

housinghour_post_lukelanzoni

Special Guest

luke-lanzoniLuke Lanzoni

Director of Development at Turner Concierge,

a division of Turner Homes,

joins The Housing Hour to discuss the alternative to ‘Do-it-Yourselfers’ home repairs needs.

As a homeowner, don’t you wish your house would take care of itself? No more changing light bulbs in hard to reach fixtures, no more struggling with irritating repairs and no more hassle brought on by home maintenance. Turner Concierge Services can help upkeep your home, so it’s in perfect condition year round.

They can help you cross daunting tasks off your honey-do list. Whether you are interested in a one-time fix, minor remodels or year-round maintenance, Turner Concierge has packages to fit any of your home upkeep needs.  Their concierge professionals also provide seasonal services, detailed inspections and out-of-town services.

Turner Concierge: Luke Lanzoni

turner-concierge

Services include but are not limited to:

  • Exterior Roof, Walls, Windows
  • Interior Walls, Ceilings, Windows, Doors
  • Plumbing, Fixtures, Appliances
  • Flooring
  • Attic
  • Electrical
  • HVAC
  • Yard Exterior

Plus, they accommodate customers’ based on their goals! They offer hourly rates, half or full day rates, weekly rates, monthly rates and other flexible options like our Home Maintenance Program. When you sign up with the Home Maintenance Program or other packages, your home will always be ready for guests to visit and you to enjoy.

It’s never too late to love your home. Contact them today for more details about Turner Concierge Services!